Valor fiscal Skoda Superb 2020
Tablas de Hacienda 2026 · entre 6 y 7 años de uso
- 125versiones
- 34 %porcentaje Hacienda
- 7.854 €desde
- 14.858 €hasta
¿Vas a comprar un Skoda Superb de 2020? Para Hacienda vale entre 7.854 € y 14.858 €: el 34 % del valor de su versión en la tabla de 2026, por tener entre 6 y 7 años de uso. Con ese dato y la comunidad del comprador sale el ITP, que en Madrid rondaría los 442 € para un valor de 11.050 €.
Versiones de 2020
Valor de tabla y valor fiscal en 2026
| Versión | Motor | CV | CVF | Valor tabla | Valor fiscal (34 %) |
|---|---|---|---|---|---|
| SUPERB 1.4 TSI iV P-HEV Máx. DSG Ambition2020–2022 | Enchufable1.395 cc | 160 | 10,73 | 32.900 € | 11.186 € |
| SUPERB 1.4 TSI iV P-HEV Máx. DSG L&K2020–2022 | Enchufable1.395 cc | 160 | 10,73 | 40.700 € | 13.838 € |
| SUPERB 1.4 TSI iV P-HEV Máx. DSG Sportline2020–2022 | Enchufable1.395 cc | 160 | 10,73 | 38.200 € | 12.988 € |
| SUPERB 1.4 TSI iV P-HEV Máx. DSG Style2020–2022 | Enchufable1.395 cc | 160 | 10,73 | 35.500 € | 12.070 € |
| SUPERB 1.5 TSI Active (2020-)2020–2022 | Gasolina1.498 cc | 150 | 11,20 | 25.300 € | 8.602 € |
| SUPERB 1.5 TSI Ambition (2020-)2020–hoy | Gasolina1.498 cc | 150 | 11,20 | 26.600 € | 9.044 € |
| SUPERB 1.5 TSI DSG Active (2020-)2020–2022 | Gasolina1.498 cc | 150 | 11,20 | 27.200 € | 9.248 € |
| SUPERB 1.5 TSI DSG Ambition (2020-)2020–hoy | Gasolina1.498 cc | 150 | 11,20 | 28.500 € | 9.690 € |
| SUPERB 1.5 TSI DSG L&K (2020-)2020–2022 | Gasolina1.498 cc | 150 | 11,20 | 35.500 € | 12.070 € |
| SUPERB 1.5 TSI DSG SportLine (2020-)2020–hoy | Gasolina1.498 cc | 150 | 11,20 | 33.000 € | 11.220 € |
| SUPERB 1.5 TSI DSG Style (2020-)2020–hoy | Gasolina1.498 cc | 150 | 11,20 | 29.800 € | 10.132 € |
| SUPERB 1.5 TSI Style (2020-)2020–hoy | Gasolina1.498 cc | 150 | 11,20 | 27.900 € | 9.486 € |
| SUPERB 2.0 TDI Active (2020-)2020–2022 | Diésel1.968 cc | 150 | 13,19 | 28.500 € | 9.690 € |
| SUPERB 2.0 TDI AdBlue DSG 4X4 L&K2020–2022 | Diésel1.968 cc | 200 | 13,19 | 42.700 € | 14.518 € |
| SUPERB 2.0 TDI Adblue DSG 4X4 SportLine2020–hoy | Diésel1.968 cc | 200 | 13,19 | 40.100 € | 13.634 € |
| SUPERB 2.0 TDI AdBlue DSG 4X4 Style (2020-)2020–hoy | Diésel1.968 cc | 190 | 13,19 | 36.900 € | 12.546 € |
| SUPERB 2.0 TDI Adblue DSG Active (2020-)2020–2022 | Diésel1.968 cc | 150 | 13,19 | 30.400 € | 10.336 € |
| SUPERB 2.0 TDI Adblue DSG Ambition (2020-)2020–hoy | Diésel1.968 cc | 150 | 13,19 | 31.600 € | 10.744 € |
| SUPERB 2.0 TDI AdBlue DSG L&K2020–2022 | Diésel1.968 cc | 200 | 13,19 | 41.900 € | 14.246 € |
| SUPERB 2.0 TDI Adblue DSG L&K (2020-)2020–2022 | Diésel1.968 cc | 150 | 13,19 | 38.900 € | 13.226 € |
| SUPERB 2.0 TDI Adblue DSG SportLine2020–hoy | Diésel1.968 cc | 200 | 13,19 | 38.000 € | 12.920 € |
| SUPERB 2.0 TDI Adblue DSG SportLine (2020-)2020–hoy | Diésel1.968 cc | 150 | 13,19 | 36.300 € | 12.342 € |
| SUPERB 2.0 TDI Adblue DSG Style (2020-)2020–hoy | Diésel1.968 cc | 150 | 13,19 | 33.000 € | 11.220 € |
| SUPERB 2.0 TDI AdBlue DSG Style (2020-)2020–hoy | Diésel1.968 cc | 190 | 13,19 | 34.800 € | 11.832 € |
| SUPERB 2.0 TDI Adblue Style (2020-)2020–hoy | Diésel1.968 cc | 150 | 13,19 | 31.100 € | 10.574 € |
| SUPERB 2.0 TDI AdBlue tech DSG 4X4 Ambition2020–hoy | Diésel1.968 cc | 200 | 13,19 | 35.500 € | 12.070 € |
| SUPERB 2.0 TDI AdBlue tech DSG Ambition2020–hoy | Diésel1.968 cc | 200 | 13,19 | 33.200 € | 11.288 € |
| SUPERB 2.0 TDI Ambition (2020-)2020–hoy | Diésel1.968 cc | 150 | 13,19 | 29.800 € | 10.132 € |
| SUPERB 2.0 TDI DSG Active2020–2022 | Diésel1.968 cc | 122 | 13,19 | 28.500 € | 9.690 € |
| SUPERB 2.0 TSI DSG 4x4 SportLine (2020-)2020–hoy | Gasolina1.984 cc | 272 | 13,26 | 39.000 € | 13.260 € |
| SUPERB 2.0 TSI DSG SportLine (2020-)2020–hoy | Gasolina1.968 cc | 190 | 13,19 | 35.200 € | 11.968 € |
| SUPERB Combi 1.4 TSI iV P-HEV Máx. DSG Ambition2020–hoy | Enchufable1.395 cc | 160 | 10,73 | 32.900 € | 11.186 € |
| SUPERB Combi 1.4 TSI iV P-HEV Máx. DSG L&K2020–2022 | Enchufable1.395 cc | 160 | 10,73 | 41.700 € | 14.178 € |
| SUPERB Combi 1.4 TSI iV P-HEV Máx. DSG Sportline2020–hoy | Enchufable1.395 cc | 160 | 10,73 | 39.100 € | 13.294 € |
| SUPERB Combi 1.4 TSI iV P-HEV Máx. DSG Style2020–hoy | Enchufable1.395 cc | 160 | 10,73 | 36.300 € | 12.342 € |
| SUPERB Combi 1.5 TSI Active (2020-)2020–2022 | Gasolina1.498 cc | 150 | 11,20 | 26.300 € | 8.942 € |
| SUPERB Combi 1.5 TSI Ambition (2020-)2020–hoy | Gasolina1.498 cc | 150 | 11,20 | 27.600 € | 9.384 € |
| SUPERB Combi 1.5 TSI DSG Active (2020-)2020–2022 | Gasolina1.498 cc | 150 | 11,20 | 28.100 € | 9.554 € |
| SUPERB Combi 1.5 TSI DSG Ambition (2020-)2020–hoy | Gasolina1.498 cc | 150 | 11,20 | 29.500 € | 10.030 € |
| SUPERB Combi 1.5 TSI DSG L&K (2020-)2020–2022 | Gasolina1.498 cc | 150 | 11,20 | 37.700 € | 12.818 € |
| SUPERB Combi 1.5 TSI DSG SportLine2020–hoy | Gasolina1.498 cc | 150 | 11,20 | 35.200 € | 11.968 € |
| SUPERB Combi 1.5 TSI DSG Style (2020-)2020–hoy | Gasolina1.498 cc | 150 | 11,20 | 30.800 € | 10.472 € |
| SUPERB Combi 1.5 TSI Style (2020-)2020–hoy | Gasolina1.498 cc | 150 | 11,20 | 29.000 € | 9.860 € |
| SUPERB Combi 2.0 TDI Active (2020-)2020–2022 | Diésel1.968 cc | 150 | 13,19 | 29.400 € | 9.996 € |
| SUPERB Combi 2.0 TDI AdBlue DSG 4X4 L&K2020–2022 | Diésel1.968 cc | 200 | 13,19 | 43.700 € | 14.858 € |
| SUPERB Combi 2.0 TDI AdBlue DSG 4X4 Scout2020–2022 | Diésel1.968 cc | 200 | 13,19 | 40.000 € | 13.600 € |
| SUPERB Combi 2.0 TDI Adblue DSG 4X4 SportLine2020–hoy | Diésel1.968 cc | 200 | 13,19 | 41.800 € | 14.212 € |
| SUPERB Combi 2.0 TDI AdBlue DSG 4X4 Style2020–hoy | Diésel1.968 cc | 190 | 13,19 | 37.900 € | 12.886 € |
| SUPERB Combi 2.0 TDI Adblue DSG Active2020–2022 | Diésel1.968 cc | 150 | 13,19 | 31.300 € | 10.642 € |
| SUPERB Combi 2.0 TDI Adblue DSG Ambition2020–hoy | Diésel1.968 cc | 150 | 13,19 | 31.600 € | 10.744 € |
| SUPERB Combi 2.0 TDI AdBlue DSG L&K2020–2022 | Diésel1.968 cc | 200 | 13,19 | 41.600 € | 14.144 € |
| SUPERB Combi 2.0 TDI Adblue DSG L&K (2020-)2020–2022 | Diésel1.968 cc | 150 | 13,19 | 38.900 € | 13.226 € |
| SUPERB Combi 2.0 TDI Adblue DSG SportLine2020–hoy | Diésel1.968 cc | 150 | 13,19 | 41.200 € | 14.008 € |
| SUPERB Combi 2.0 TDI Adblue DSG SportLine2020–hoy | Diésel1.968 cc | 200 | 13,19 | 37.500 € | 12.750 € |
| SUPERB Combi 2.0 TDI AdBlue DSG Style2020–hoy | Diésel1.968 cc | 190 | 13,19 | 35.700 € | 12.138 € |
| SUPERB Combi 2.0 TDI Adblue DSG Style (2020-)2020–hoy | Diésel1.968 cc | 150 | 13,19 | 33.000 € | 11.220 € |
| SUPERB Combi 2.0 TDI Adblue Style2020–hoy | Diésel1.968 cc | 150 | 13,19 | 32.100 € | 10.914 € |
| SUPERB Combi 2.0 TDI AdBlue tech DSG 4X4 Ambition2020–hoy | Diésel1.968 cc | 200 | 13,19 | 36.400 € | 12.376 € |
| SUPERB Combi 2.0 TDI AdBlue tech DSG Ambition2020–hoy | Diésel1.968 cc | 200 | 13,19 | 34.200 € | 11.628 € |
| SUPERB Combi 2.0 TDI Ambition2020–hoy | Diésel1.968 cc | 150 | 13,19 | 30.800 € | 10.472 € |
| SUPERB Combi 2.0 TDI DSG Active2020–2022 | Diésel1.968 cc | 122 | 13,19 | 29.400 € | 9.996 € |
| SUPERB Combi 2.0 TSI AdBlue tech DSG 7v. 4X4 Scout (2020-)2020–2022 | Gasolina1.984 cc | 272 | 13,26 | 39.100 € | 13.294 € |
| SUPERB Combi 2.0 TSI DSG 4x4 SportLine2020–hoy | Gasolina1.984 cc | 272 | 13,26 | 37.400 € | 12.716 € |
| SUPERB Combi 2.0 TSI DSG SportLine (2020-)2020–hoy | Gasolina1.968 cc | 190 | 13,19 | 35.000 € | 11.900 € |
| SUPERB 1.5 TSI Active2019–2020 | Gasolina1.498 cc | 150 | 11,20 | 23.100 € | 7.854 € |
| SUPERB 1.5 TSI Ambition2019–2020 | Gasolina1.498 cc | 150 | 11,20 | 24.300 € | 8.262 € |
| SUPERB 1.5 TSI DSG Active2019–2020 | Gasolina1.498 cc | 150 | 11,20 | 25.500 € | 8.670 € |
| SUPERB 1.5 TSI DSG Ambition2019–2020 | Gasolina1.498 cc | 150 | 11,20 | 26.800 € | 9.112 € |
| SUPERB 1.5 TSI DSG L&K2019–2020 | Gasolina1.498 cc | 150 | 11,20 | 33.600 € | 11.424 € |
| SUPERB 1.5 TSI DSG SportLine2019–2020 | Gasolina1.498 cc | 150 | 11,20 | 31.100 € | 10.574 € |
| SUPERB 1.5 TSI DSG Style2019–2020 | Gasolina1.498 cc | 150 | 11,20 | 28.000 € | 9.520 € |
| SUPERB 1.5 TSI Style2019–2020 | Gasolina1.498 cc | 150 | 11,20 | 25.700 € | 8.738 € |
| SUPERB 1.6 TDI Adblue DSG Ambition2019–2020 | Diésel1.598 cc | 120 | 11,64 | 26.600 € | 9.044 € |
| SUPERB 1.6 TDI DSG Active2019–2020 | Diésel1.598 cc | 120 | 11,64 | 25.400 € | 8.636 € |
| SUPERB 2.0 TDI Active2019–2020 | Diésel1.968 cc | 150 | 13,19 | 25.400 € | 8.636 € |
| SUPERB 2.0 TDI AdBlue DSG 4X4 L&K2019–2020 | Diésel1.968 cc | 190 | 13,19 | 39.000 € | 13.260 € |
| SUPERB 2.0 TDI Adblue DSG 4X4 SportLine2019–2020 | Diésel1.968 cc | 190 | 13,19 | 36.400 € | 12.376 € |
| SUPERB 2.0 TDI AdBlue DSG 4X4 Style2019–2020 | Diésel1.968 cc | 190 | 13,19 | 33.100 € | 11.254 € |
| SUPERB 2.0 TDI Adblue DSG Active2019–2020 | Diésel1.968 cc | 150 | 13,19 | 27.200 € | 9.248 € |
| SUPERB 2.0 TDI Adblue DSG Ambition2019–2020 | Diésel1.968 cc | 150 | 13,19 | 28.400 € | 9.656 € |
| SUPERB 2.0 TDI Adblue DSG L&K2019–2020 | Diésel1.968 cc | 150 | 13,19 | 35.200 € | 11.968 € |
| SUPERB 2.0 TDI AdBlue DSG L&K2019–2020 | Diésel1.968 cc | 190 | 13,19 | 38.000 € | 12.920 € |
| SUPERB 2.0 TDI Adblue DSG SportLine2019–2020 | Diésel1.968 cc | 150 | 13,19 | 32.500 € | 11.050 € |
| SUPERB 2.0 TDI Adblue DSG SportLine2019–2020 | Diésel1.968 cc | 190 | 13,19 | 34.200 € | 11.628 € |
| SUPERB 2.0 TDI Adblue DSG Style2019–2020 | Diésel1.968 cc | 150 | 13,19 | 29.700 € | 10.098 € |
| SUPERB 2.0 TDI AdBlue DSG Style2019–2020 | Diésel1.968 cc | 190 | 13,19 | 31.000 € | 10.540 € |
| SUPERB 2.0 TDI Adblue L&K2019–2020 | Diésel1.968 cc | 150 | 13,19 | 31.700 € | 10.778 € |
| SUPERB 2.0 TDI Adblue Style2019–2020 | Diésel1.968 cc | 150 | 13,19 | 28.000 € | 9.520 € |
| SUPERB 2.0 TDI AdBlue tech DSG 4X4 Ambition2019–2020 | Diésel1.968 cc | 190 | 13,19 | 31.800 € | 10.812 € |
| SUPERB 2.0 TDI AdBlue tech DSG Ambition2019–2020 | Diésel1.968 cc | 190 | 13,19 | 29.800 € | 10.132 € |
| SUPERB 2.0 TDI Ambition2019–2020 | Diésel1.968 cc | 150 | 13,19 | 26.700 € | 9.078 € |
| SUPERB 2.0 TSI DSG 4x4 SportLine2019–2020 | Gasolina1.984 cc | 272 | 13,26 | 35.900 € | 12.206 € |
| SUPERB 2.0 TSI DSG SportLine2019–2020 | Gasolina1.984 cc | 190 | 13,26 | 32.300 € | 10.982 € |
| SUPERB 2.0 TSI DSG SportLine2019–2020 | Gasolina1.984 cc | 272 | 13,26 | 35.100 € | 11.934 € |
| SUPERB Combi 1.5 TSI Active2019–2020 | Gasolina1.498 cc | 150 | 11,20 | 24.600 € | 8.364 € |
| SUPERB Combi 1.5 TSI Ambition2019–2020 | Gasolina1.498 cc | 150 | 11,20 | 26.000 € | 8.840 € |
| SUPERB Combi 1.5 TSI DSG Active2019–2020 | Gasolina1.498 cc | 150 | 11,20 | 26.800 € | 9.112 € |
| SUPERB Combi 1.5 TSI DSG Ambition2019–2020 | Gasolina1.498 cc | 150 | 11,20 | 27.900 € | 9.486 € |
| SUPERB Combi 1.5 TSI DSG L&K2019–2020 | Gasolina1.498 cc | 150 | 11,20 | 34.700 € | 11.798 € |
| SUPERB Combi 1.5 TSI DSG SportLine2019–2020 | Gasolina1.498 cc | 150 | 11,20 | 32.100 € | 10.914 € |
| SUPERB Combi 1.5 TSI DSG Style2019–2020 | Gasolina1.498 cc | 150 | 11,20 | 29.100 € | 9.894 € |
| SUPERB Combi 1.5 TSI Style2019–2020 | Gasolina1.498 cc | 150 | 11,20 | 27.200 € | 9.248 € |
| SUPERB Combi 1.6 TDI DSG Active2019–2020 | Diésel1.598 cc | 120 | 11,64 | 26.400 € | 8.976 € |
| SUPERB Combi 1.6 TDI DSG Ambition2019–2020 | Diésel1.598 cc | 120 | 11,64 | 27.700 € | 9.418 € |
| SUPERB Combi 2.0 TDI Active2019–2020 | Diésel1.968 cc | 150 | 13,19 | 26.300 € | 8.942 € |
| SUPERB Combi 2.0 TDI Adblue Ambition2019–2020 | Diésel1.968 cc | 150 | 13,19 | 27.500 € | 9.350 € |
| SUPERB Combi 2.0 TDI Adblue DSG 7v 4x4 Sport Line2019–2020 | Diésel1.968 cc | 190 | 13,19 | 37.500 € | 12.750 € |
| SUPERB Combi 2.0 TDI Adblue DSG 7v. 4x4 Ambition2019–2020 | Diésel1.968 cc | 190 | 13,19 | 32.900 € | 11.186 € |
| SUPERB Combi 2.0 TDI Adblue DSG 7v. Ambition2019–2020 | Diésel1.968 cc | 150 | 13,19 | 28.400 € | 9.656 € |
| SUPERB Combi 2.0 TDI Adblue DSG 7v. Sport Line2019–2020 | Diésel1.968 cc | 150 | 13,19 | 32.500 € | 11.050 € |
| SUPERB Combi 2.0 TDI Adblue DSG L&K2019–2020 | Diésel1.968 cc | 150 | 13,19 | 35.200 € | 11.968 € |
| SUPERB Combi 2.0 TDI Adblue DSG Style2019–2020 | Diésel1.968 cc | 150 | 13,19 | 29.700 € | 10.098 € |
| SUPERB Combi 2.0 TDI Adblue L&K2019–2020 | Diésel1.968 cc | 150 | 13,19 | 32.500 € | 11.050 € |
| SUPERB Combi 2.0 TDI AdBlue tech DSG 7v L&K2019–2020 | Diésel1.968 cc | 190 | 13,19 | 38.000 € | 12.920 € |
| SUPERB Combi 2.0 TDI AdBlue tech DSG 7v. 4X4 L&K2019–2020 | Diésel1.968 cc | 190 | 13,19 | 39.400 € | 13.396 € |
| SUPERB Combi 2.0 TDI AdBlue tech DSG 7v. 4X4 Scout2019–2020 | Diésel1.968 cc | 190 | 13,19 | 36.200 € | 12.308 € |
| SUPERB Combi 2.0 TDI AdBlue tech DSG 7v. 4X4 Style2019–2020 | Diésel1.968 cc | 190 | 13,19 | 33.900 € | 11.526 € |
| SUPERB Combi 2.0 TDI AdBlue tech DSG 7v. Style2019–2020 | Diésel1.968 cc | 190 | 13,19 | 31.800 € | 10.812 € |
| SUPERB Combi 2.0 TDI AdBlue tech DSG Ambition2019–2020 | Diésel1.968 cc | 190 | 13,19 | 30.800 € | 10.472 € |
| SUPERB Combi 2.0 TDI DSG 7v Sport Line Adblue2019–2020 | Diésel1.968 cc | 190 | 13,19 | 35.300 € | 12.002 € |
| SUPERB Combi 2.0 TDI DSG Active2019–2020 | Diésel1.968 cc | 150 | 13,19 | 28.000 € | 9.520 € |
| SUPERB Combi 2.0 TDI Style2019–2020 | Diésel1.968 cc | 150 | 13,19 | 28.700 € | 9.758 € |
| SUPERB Combi 2.0 TSI AdBlue tech DSG 7v. 4X4 Scout2019–2020 | Gasolina1.984 cc | 272 | 13,26 | 35.600 € | 12.104 € |
| SUPERB Combi 2.0 TSI DSG 7v. 4x4 Sportline2019–2020 | Gasolina1.984 cc | 272 | 13,26 | 36.800 € | 12.512 € |
| SUPERB Combi 2.0 TSI DSG SportLine2019–2020 | Gasolina1.968 cc | 190 | 13,19 | 33.300 € | 11.322 € |
Valor fiscal = valor de tabla × 34 %. Cuando el coche cumpla 7 años desde la matriculación, Hacienda pasa a aplicar el 28 %.
ITP por comunidad
Para un Superb 2020 de 11.050 € de valor fiscal
| Comunidad | Cómo tributa | ITP |
|---|---|---|
| Andalucía | 4 %Tipo general | 442 € |
| Aragón | 4 %Tipo general | 442 € |
| Asturias | 4 %Tipo general | 442 € |
| Illes Balears | 4 %Tipo general | 442 € |
| Canarias | 5,5 %Tipo general | 608 € |
| Cantabria | 6 %Tipo general | 663 € |
| Castilla-La Mancha | 6 %Tipo general | 663 € |
| Castilla y León | 5 %Tipo general | 553 € |
| Cataluña | 5 %Tipo general | 553 € |
| Ceuta | 2 %4 % con bonificación del 50 % si el comprador reside en Ceuta | 221 € |
| Comunitat Valenciana | Cuota fijaDe 5 a 12 años, valor inferior a 20.000 € y de 1.501 a 2.000 cc | 180 € |
| Extremadura | 6 %Tipo general | 663 € |
| Galicia | 3 %Tipo general | 332 € |
| La Rioja | 4 %Tipo general | 442 € |
| Comunidad de Madrid | 4 %Tipo general | 442 € |
| Melilla | 2 %4 % con bonificación del 50 % si el comprador reside en Melilla | 221 € |
| Región de Murcia | 4 %Tipo general | 442 € |
Ejemplo con la versión SUPERB 2.0 TDI Adblue DSG SportLine (1.968 cc, 13,19 CVF) y sin precio de compra superior al valor fiscal. Navarra y el País Vasco (Álava, Bizkaia y Gipuzkoa) tienen haciendas forales con sus propias tablas de valoración y su propia normativa: el valor y el impuesto se consultan en su hacienda foral.
Otros años del Superb
Preguntas frecuentes
¿Cuánto vale para Hacienda un Skoda Superb de 2020?
En 2026, entre 7.854 € y 14.858 €, según la versión. Es el 34 % del valor de tabla, el porcentaje de un coche con entre 6 y 7 años de uso.
¿Cuánto ITP se paga por un Skoda Superb de 2020?
Depende de la comunidad del comprador. Con un valor fiscal de 11.050 €, en Madrid (4 %) serían unos 442 €. En la tabla de esta página tienes el cálculo para cada comunidad, con sus tipos y cuotas fijas.
¿Cuándo baja el valor fiscal de mi Superb de 2020?
El día que cumpla 7 años desde la matriculación: entonces Hacienda pasa del 34 % al 28 % del valor de tabla. Lo que cuenta es la fecha de la compra, no el año natural.
¿Sirve este valor para el seguro?
No. El valor fiscal solo se usa para los impuestos (transmisiones, sucesiones y donaciones). El seguro usa el valor venal o el de mercado, que fija cada aseguradora.